To check car finance in Australia, start with a PPSR search using the VIN—it’s about $2 and tells you if the vehicle is encumbered.
Ask the seller for the finance account details and a written payout letter from the lender; pay the lender directly to clear the debt before any cash changes hands.
Match the VIN on the PPSR certificate to the car, confirm the seller’s ID and receipt, and only release funds once you’ve seen confirmation the security interest is discharged.
If the PPSR shows “written off” or “stolen,” walk away faster than a dodgy speedo; when in doubt, get a pre-purchase inspection and talk to the lender or your state motoring body.
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